Professional Documents
Culture Documents
Technology
Technology
Technology
S K Rana
Assistant General Manager,
State Bank Learning Centre,
Deoghar- 814112
Phone- 06432-232895
Fax - 06432-231810
E-mail: agmstc.deoghar@sbi.co.in
ABBREVIATIONS
RAM - Random Access Memory
ROM Read Only Memory
CPU Central Processing Unit
CDMA- Code Division Multiple Access
EDP Electronic Data Processing
EDI - Electronic Data Interchange
EFT - Electronic Fund Transfer
GPRS General Packet Radio Service
MICR - Magnetic Ink Character Recognition
WWW - World Wide Web
SFMS - Structured Financial Messaging Solutions
GUI - Graphical User Interface
HTMLHyper Text Markup Language
HTTP Hyper Text Transfer Protocol
FTP File Transfer Protocol
ISDN Integrated Service Digital Network
IMPS- Interbank Mobile payment service.
VSAT - Very Small Aperture Terminal
USSD - Unstructured Supplementary Services
Data
SAR- Chip based card in Saudi Riyal
SGD-Singapore Dollar currency
TERMINOLOGY
BIT The smallest amount of information that can be transmitted
BYTE A unit of information that corresponds to a character (Eight bits)
FTP A protocol used to provide file
transfers across a wide variety of systems
UPLOAD - To Transfer a file from Clients
computer to hosts computer (Server)
DOWNLOAD - To Transfer a File From Host
(Server) to Clients Computer
URL - Uniform Resource Locator, the form of
the site address that reveals the name of
server where the sites files are stored
ENCRYPTION -Conversion of Plain Text to Cipher Text using certain logic
DECRYPTION -Conversion of Cipher Text message to plain Text
ATM
ATM stands for- Automated Teller Machine
FIRST ATM in the world was installed by Barclays Bank in London in 1967
FIRST ATM in INDIA was installed by HSBC in
Kolkata in 1987
FIRST PSB to Install ATM in INDIA Indian
Bank
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Card Type
Daily Cash Withdrawal Limit(India/Abroad) Daily POS Limit(India/Abroad)
1. Domestic
Rs 40000/NA
Rs 50000/NA
2. International
Rs 45000/USD 1000
Rs 100000/USD 2000
3. Visa Gold/Master
Gold/YUVA Card Rs 50000/USD 1000
Rs 200000/USD 4000
4. Platinum Intl
Card
Rs100000/USD 2000
Rs 200000/USD 4000
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bonafide, identity & proof of residence. Reloadable, only by debit to Bank account any
number of times. Min Rs 100 & Max Rs 50000
per month per employee. Cash withdrawal &
Enquiry restricted to State Bank Group ATMs
only. Free statement through Internet. Validity 10 years.
GIFT CARD is also a prepaid Indian rupee VISA
CARD- an excellent substitute of Gift Vouchers. Min amt of Issue Rs 500 in multiples of Rs
1/- , Max Rs 50000/-.
Issue Charges waived upto 31st Mar 2011
Validity- 1 Yrs from the date of print
Request to issue gift card should be done by
debit to only fully KYC compliant account and
to Banks customer only,and its one-time
loading (Top up) can be made through Internet Banking
Services Available at ATM- Cash withdrawal,
Balance Enquiry, Mini Statement (Last 10
Txns), College Fee Payment, Online collection
of Application Fee (GATE /JMET), Mobile Top
Up, Temple/Trust Donation, Payment of Utility Bills, Cash Point for SBI Cards, SBI Card Bill
Payment, SBI Life Premium Payment, Fund
Transfer.
Ways of Fund Transfer- Visa Money Transfer,
C2C Transfer, Money Send
Visa Money Transfer (VMT) facility enables
any card holder of the Bank to transfer funds
through the SBI Group ATM and all INB Users
with transactions rights to any VISA Debit
Card / Credit Card issued by the bank or any
other bank in India. The card holder has to
make one time registration and set up the VISA Card to which he proposes to transfer
funds through www.onlinesbi.co.in. Transaction Limit- Rs 50000/- and Charge Rs 20/- +
service tax.
Card to Card Transfer (C2C) enables card
holders to transfer funds to any card holder
within State Bank Group through any State
Bank ATM. Transaction Limit Rs 50000/-. Date
of Credit- Next Working Day. Charges- As applicable to Inter Core Transactions.
Money Send is launched by Master Card
Worldwide (MCW). It enables our card holders to remit funds to any Maestro/Master
Card holder of other banks within the country
through State Bank Group ATMs. Transaction
Limit- below Rs 50000/- per transaction.
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Charges- Upto Rs 25000/- Rs 20.00 per transaction and More than Rs 25000/- Rs 30 per
transaction. Day of Credit- (T+1) in case of
Maestro Card and (T+2) in case of Master
Card & VISA.
Undelivered ATM Cards & PIN should be in
separate custody.
ATM Cards not delivered within a period of 45
days should be hot listed through Contact
Centre.
PIN Mailers not delivered within a period of
45 days should be destroyed and Cards hot
listed through Contact Centre.
ATM Dispute Resolution: Dispute is settled by
Debit to Suspense Account. TXn should have
been made through State Bank ATM. Claim
should have been made within 90 days of Txn.
Account should be maintained for one year.
No such claim should have been made in last
6 months. Claimant to submit a letter of undertaking. Dispute upto Rs 15000/- may be
settled if claimant produces transaction Slip. If
claimant does not produce transaction slip,
then claim upto Rs 5000/- can only be settled.
RBI- ATM related complaint to be resolved
within 07 working days from the date of complaint; else Bank has to compensate the customer with Rs. 100/- per day beyond the 07th
day.
To be Paid by Debit to BGL A/C No 2399995
Charges (ATM Compensation)
Centralisation of ATM Complaints Registration. Complaint Management System (CMS)
launched with effect from 21st Dec 2009.
URL
Address
for
CMS
is
https://10.0.22.170:8070/CMS. Can be assessed at Branch, Contact Centre, Administrative offices and ASC
SBI customer can lodge the complaint in CMS
either by calling the contact centre or at any
branch (not necessarily customer branch) for
following five categories:
i) Account debited but cash not dispensed
ii) Account debited twice for the same withdrawal
iii) Amount debited but amount not transferred to merchant establishment
iv) Account debited twice for the same transaction at POS
v) Regeneration of PIN
INTERNET BANKING
Site for Internet Banking www.onlinesbi.com
Site is verified by Verisign & Secured by 256
bit encryption
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e-RD
1.No manual intervention
required by
branches for opening / closure of recurringdeposit account under (e-RD).
2. Domestic, NRE & NRO customers & Staff
members can avail this facility.
3. The online opening / closure facility
through e-RD available between 08:00 HRS
IST and 20:00 HRS IST. Requests received for
e-RD creation /closure
beyond this period will be scheduled for next
opening hours, if user opts for the same.
4. The RD a/c in INR will be opened in the
same name(s) and mode of operation as in
the debit a/c from which first installment of eRD a/c is paid. The customer can select the
debit a/c as per his/her choice at the time of
opening e-RD, if he/she has more than one
transactional accounts
mapped to his/her username.
5. The period and minimum amount limit of eRD will same as mentioned for RD product
code in CBS.
6. e-RD will create recurring deposit a/c .In
the same session, setting up SI possible. The SI
created through this process cancelles automatically on online closure /
premature closure of e-RD The SI created
(Separately through Internet Banking or
through Branch) will need to be cancelled by
the customer/Branch.
7. Passbook for e-RD accounts will not be
generated online. Customers can print statement of e-RD account
through IN Banking/home branch, if they
need a passbook for their e-RD accounts.
8. For enquiring current deposit interest rates,
a hyperlink of our Corporate
web-site
(www.sbi.co.in
/
www.statebankofindia.com)has been provided on e-RD request page,
9. Senior citizens (Public & Staff) will not be
able to avail privileged rate of interest facility
in e-RD. the branch.
10. Benefit of interest rate to staff will be
available only if the debit a/c is categorized as
staff account in Core & INB database.
11. The e-RD details will contain the e-RD a/c
no., debit a/c no. from which the e-RD a/c is
funded, period selected by customer, Interest
rate and maturity date.
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Corporate Internet Bank ing has four variantsKHATA, KHATA PLUS, VYAPAR & VISTAAR.
KHATA- Enquiry Only / used for enquiry on all
accounts at one branch
KHATA PLUS- Enquiry Only/ used for enquiry
on all accounts at various branches across the
country
VYAPAR- Enquiry & transaction / for corporate maintaining account at any one SBI
Branch. Single Transaction Limit Enhanced
from 5.00 Lakh to 50.00 Lakh. Permitted
Transactions - Fund Transfer/Third Party
Payment/ Inter Bank Payment/Draft Issue/Payment to Registered Suppliers/ E-Tax.
VISTAAR- (Complete range of online transactions for corporate maintaining account at
multiple branches of SBI) TP Fund Transfer upto Rs 100.00 Crore per transaction/ request
for issue of Demand Draft - Rs 1.00 crore per
transaction/ No limit on No of Transaction.
Permitted Transaction: Fund Transfer/Third
Party Payment/Inter Bank Payment/Draft Issue/Payment to Registered Suppliers/Bulk
Upload
Facility/E-Tax/DGFT
Payments/Customs Payments/ Excise Duty Payments.
A simplified single user interface with functional and security features similar to Retail
Internet Banking facility called CINB Saral
has been launched. CINB Saral will facilitate
penetration of CINB among a larger section of
SME customers and micro enterprises as the
facility is single user based, operated on the
lines of RINB and hence highly user friendly.
MOBILE BANKING
Brand Name- SBI Freedom
MBS available to satisfactory running Current
/ Savings Account holders of P segment &
SME customers.(For SME customers only enquiry right of their last 5 transactions).
It can be availed over:
A) Application Software
B) Wireless Application Protocol
C) Unstructured Supplementary Data Services
(USSD)
D) Mobile Banking service on SMS platform
Functionalities available under A) & B)Balance Enquiry / Mini Statement (Last 5
Txns) / Fund Transfer (To accounts with SBI &
other Banks) / Cheque Book Issue / Bill pay-
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http://mobile.prepaid.com/sbiwap/
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http://www.rbi.org.in
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